A request.

Things are really tight for us right now. Like, beyond as bad as I thought it would get. The sad part is that we're bringing in more income than we ever have in our lives, and yet we seem to be struggling more than ever. There are many reasons and excuses for why things are how they are now, but I'm not going to get into them. I just ask that you keep my little family in your thoughts, and maybe even send up a prayer for us to get out of this situation. We should be able to get through it ok if we can stick to the plan we were able to work out. It's just going to mean a very slim Christmas. The kids are used to that though, unfortunately. I just hoped our first Christmas in our new home would be better, different. At this point, I'm just praying we get to still have our new home for Christmas.

It's been a year of learning and gaining a lifetime of wisdom through a series of hard knocks. Up til now we've been able to kind of slide through life, but this year we slid right into a wall, and have had to really learn from our mistakes (mostly mine).

Next year WILL be different. We'll have our tax refund, and hopefully that tax credit for buying the house (not sure we qualify). And hopefully (praying!!) that hubby will get his bonus this spring as well. Even if all we get is the tax refund, and even if it's not as large as normal, we are going to put aside that $1000 emergency fund, and then get a month ahead on the house payment, pay off the van, and then pay off as many bills as we can. We are going to budget wisely and intelligently, and we are going to stick to it. I am going to read Dave Ramsey's book cover to cover and do all the work sheets. I am NEVER EVER going to let things get this bad ever ever again.

It's going to be a very difficult month for us, so I may not be blogging much. I hope everyone has a happy holiday.